Posts
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Written by James Shupe When considering who to employ for accounting services, you need to decide what level of accountant you need. Do you just need entry level bookkeeping? If so, then you can find an accounting student. Or do you need someone to prepare or review company financials? Then you’ll need to find someone with a more advanced knowledge of accounting like someone with an accounting degree and possibly someone who has earned the Certified Public Accountant (“CPA”) designation. Accountants have been trained to understand the essentials of bookkeeping and accounting. A CPA has taken extra steps to learn…
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Written by Dean Moser The IRS system is set up as a pay-as-you-go voluntary system. What if you volunteer not to withhold and agree to pay your taxes as you file your return? One possible reason would be that your business or investments can possibly provide a better return than the penalties imposed by not paying quarterly. Therefore, we need to consider what the cost of this type of action may be. If you owe less than $1,000 in tax there is no penalty, for higher amounts the penalty may be 0.5% with added interest of 7% in 2026 (this…
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Written by Dean Moser Insurance companies are happy to promote their products as “the hammer that can be used to solve every need.” Though in reality, they are only there to provide some of the defense work of financial control. One product that is typically used incorrectly (in my view) is the Annuity. We should purchase investment products from insurance companies that provide a specific defensive benefit to us, much greater than the income benefit they provide to the insurance company, or for that matter, the agent by way of commissions. I have only one role that annuities can do…
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Written by Dean Moser There are only a few things that guide all of my dealings with investment markets and client accounts. These can be considered my core philosophy for investments. I would like to share just two of them in this treatise. First, there are no emergencies in the market. It must be understood that markets are generally and openly emotional indicators for very large groups of people. The value of any single investment has less to do with its fundamental values as with its emotional connections in the market. This swaying of emotion is indicated in “trendlines” and…
Sentinel Advising 